Giving Tree Insurance

07/29/2026

I had the great pleasure of being a guest on Mourning Dove Medical with Dr. Kaishauna Guidry last week. All too often, families wait until "something happens." Let's have the hard conversations sooner rather than later!

🆕Mourning Dove Medical Presents Dr. G at the Heart of Healthcare
Video podcast S4: Episode 10

When is it time to switch Health Insurance?

Guest-
Kristine Swisher, MBA, CLTC
➡️previous guest interdisciplinary panel💜
➡️Owner & Independent Insurance Agent at Giving Tree Insurance 🌳
➡️Wife, mother, family caregiver
https://youtu.be/LkYzCQhEpJQ?is=73MLKOHMSY04cEom

Show notes-Mourning Dove Medical Presents Dr. G at the Heart of H...

07/13/2026

https://www.nytimes.com/video/opinion/100000010551165/family-caregiver-aging-parents.html?smid=url-share

Behind closed doors, millions of Americans are stepping into one of the hardest roles they’ll ever take on: caring for their aging parents.

04/29/2026

I'm so honored to be recognized by the Certification in Long-Term Care - CLTC organization as a 2026 Inaugural Trailblazer recipient! This recognition program is celebrating seven LTC professionals as the next generation of LTCi leaders.

I am deeply honored and grateful to do work that helps protect families from the financial, physical, and emotional challenges that caregiving can bring.

Onward! The best is yet to come!


givingtreeinsurance.com

02/02/2026

Did you know that in January 2026, the first Baby Boomer turned 80 years old...

And millions of families are about to learn that Medicare does not cover long-term care services.

The only way to pay for LTC insurance is:

1) Medicaid
2)Self-Funding
3) Long-Term Care Insurance

LTC Insurance you cannot just buy. You must health qualify. If you would like to learn how YOU can protect your family when you need care, let's talk about a plan that works with your health and budget. https://calendly.com/givingtreeinsurance/introductory-call

01/20/2026

The #1 question people ask me is "Is it too late for me to get LTC?" I often reply...No, it's not too late, but will you medically qualify?

Your health NOW is what determines your care in the future. You cannot just BUY Long-Term Care insurance, you secure it with your HEALTH now. Don't wait until it is TOO late. A true LTC specialist will find a plan for you that fits your budget and your health needs. givingtreeinsurance.com

A new frailty “tipping point” study suggests health declines faster after 75. Aging and frailty drive long-term care needs, but there are things you can do now.

11/21/2025

Roughly 70% of people who reach age 65 will need some form of long-term care in their lifetime. You may need long-term care after suffering an accident that requires extended medical assistance. You may need long-term care if you have or develop a chronic illness that requires support and services several times a month. Or you may need long-term care simply for physical decline due to aging.

If you prefer to age in place, long-term care insurance may be your best bet.

11/19/2025

A caregiver is an unpaid loved one (relative, friend) who assists with activities of daily living (bathing, eating, toileting, etc.) and/or medical tasks. In the U.S. alone, 53 million adults have reported providing some kind of care for a spouse, elderly parent or relative, or a special needs child.

The median age of an adult caregiver is 51 years old — someone who may be considering long-term care insurance for themselves. The average family caregiver spends around $7,200 per year out of pocket on caregiving expenses, leaving 71% of caregivers to report they are struggling financially.

11/17/2025

Long-term care insurance isn’t just for the elderly — in some cases, you can apply for it as young as 18 years old. This insurance is for anyone who experiences an illness or incident that requires care for an extended period of time (90 days or more). Having this insurance in place may help you maintain your independence and improve your quality of life. It may also give your family peace of mind knowing you’ll be taken care of by professionals.

11/14/2025

Do you know the difference between long-term care and post-acute care? Knowing this distinction will guide your decision to invest in long-term care and can aid you in conversations with family members.

Post-acute care is a healthcare service that provides medical and rehab care to patients who have been discharged from the hospital but still need more care before they can go home. It’s a temporary situation.

Long-term care is for anyone who experience an illness or incident that requires care for an extended period of time (90 days or more). It’s also for anyone needing assistance with activities of daily living (bathing, dressing, eating, etc.) because of a health condition.

11/12/2025

Are you sure you have long-term care insurance? Many people overestimate how much long-term care insurance they actually have or confuse it with their health insurance or Medicaid. In some cases, Medicaid may cover costs, but coverage varies by state, is limited to certain services and may require consumers to spend down their assets to qualify.

Long-term care insurance provides independence when it comes to where you choose to age (assisted living, retirement community, at home), and protect your assets and income.

Do you understand the difference? Have you had your policy reviewed lately?

It is NOT too late to start looking into this!